Nowadays, it is almost impossible to live without a credit card, whether for physical or virtual purchases. In this sense, there are dozens of options on the market and you need to research well before choosing. Therefore, follow our content, as it will help you choose between the Carrefour card or the Vooz card.

Well, the Carrefour card offers benefits such as exclusive installment payments for purchases at Carrefour stores. Likewise, the Vooz card is a financial product of the Sicoob cooperative that has both credit and debit functions.

By the way, both are great card options that offer exclusive benefits to their customers. So, if you are in doubt between the Carrefour card or the Vooz card, continue reading and find out more details about them.

First, Carrefour is a supermarket chain that created, in 2007, its own financial institution, Carrefour Soluções Financeiras. In this way, they are the ones who manage and issue the network's credit cards.

In this sense, Carrefour offers 5 different types of credit card. However, we will deal here with the Carrefour Mastercard Gold card. Although the card charges an annual fee of R$13.99 per month, customers can zero this fee if they make at least one purchase per month at Carrefour stores.

In addition, you can use it at any other commercial establishment that accepts the Mastercard brand. By the way, this Carrefour card offers international coverage. That is, you can use it both inside and outside Brazil, for purchases in foreign currencies.

But be careful, remember to check the exchange rate and the iOF rate beforehand to avoid surprises!

Well, the Vooz card is a financial product issued by the Sicoob cooperative. Thus, a credit cooperative is nothing more than a financial institution formed by members. In this way, cooperative members act as owners, sharing profits and dividends as well.

In this way, you can join Sicoob and enjoy all its benefits. By the way, the Vooz card is a multifunction card. That is, you can use it both in the debit function and in the credit function.

In addition, the card charges an annual fee of R$9.90 per month. However, you can reset this fee by making at least one purchase per month of any amount. Additionally, you can request additional cards that are exempt from this fee.

The Vooz card is issued under the Visa or Mastercard flag and offers international coverage. Therefore, you can also use it to shop in Brazil and abroad.

Incidentally, the cooperative card has one of the fastest issues of credit cards. So, you make the request at one of the Sicoob agencies and you can leave there with your Vooz card in hand, ready to use.

So, if you are still in doubt about whether to choose the Carrefour card or the Vooz card, read on and discover the advantages of each one.

First of all, the main advantage of the Carrefour card is that it offers exclusive discounts in the chain's stores. Therefore, if you are used to buying at Carrefour, it is a great card option.

In addition, customers still have exclusive offers and can opt for special installments on some items in the store. In this way, you can split your purchases up to 24 times with the Carrefour card.

In addition, you still guarantee up to 70 days to pay by filling up your car at Carrefour Posts using the network's credit card. What's more, you can also participate in the Mastercard Surprise benefits program.

In this sense, the program guarantees 1 point on each purchase made with your card, regardless of the amount. Thus, you can exchange your points for discount vouchers on products and services from partner establishments. But don't forget to register your card before you start using it!

Firstly, the Vooz card is issued very quickly. This means that you will be able to leave the Sicoob agency with your card in hand after the request. So this is a very attractive advantage, as you don't have to wait days for your credit card to arrive.

Furthermore, Vooz cards participate in the Mastercard Surpreenda or Vai de Visa benefits program. That way, you can accumulate points and exchange them for discount vouchers at partner stores. However, remember to register your card before using it.

However, if you are still in doubt between Carrefour card or Vooz card, check out their disadvantages now before making your decision.

Although the Carrefour card offers many benefits, it also has some negative points. First of all, the Carrefour card charges an annual fee of R$13.99. Although the value is not so high, you can only reset this rate if you make at least one purchase per month in the chain's stores.

In addition, you will need to prove income of at least one minimum wage when joining. Thus, if you are self-employed and cannot prove this income, your application may be denied.

So, the main negative point of the Vooz card is that you need to apply for it in person through a Sicoob agency. In addition, you will need to open an account with the cooperative to access the card.

Furthermore, the card charges an annual fee of R$9.90. Although you can exempt yourself from this fee, you end up being forced to use the card at least once a month to reset the annuity amount.

Finally, if you followed our content on the Carrefour card or the Vooz card, then you already know that both offer exclusive benefits.

In this way, if you are used to buying at Carrefour stores, then perhaps the network's credit card is ideal for you. Thus, as previously mentioned, the card offers exclusive discounts and offers for stores in the network.

However, if you are interested in joining a credit union, Sicoob has great benefits. Therefore, the Vooz card is an excellent option for your financial profile.

However, if you are still in doubt about which card to choose, then check out our content, below, with more options for you!